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Adrian Bank understands that the security of your personal and account information is important to you. We also understand that our continued success as a financial institution relies on both our ability to offer banking services to you in a secure manner as well as your responsibility in keeping any access codes and passwords secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information as it traverses the Internet between your PC and Adrian Bank.


Log-In and Password

Every customer must privately maintain a combination of a log-in ID and password. Because the customer is assigned the original password by the bank administrator, the online banking system forces the customer to change the password once logged onto the system and before any transactions can be requested. This forces the customer to establish an absolutely private password. If, in case the password is lost or forgotten, the administrator will be able to reset a default password for the customer once the Bank has confirmed your identity or you may enter your log-in ID and click on "Forgot Password" to obtain access.

Password Lock-out

If an unauthorized person attempts entry into a customer's account by trying to guess a Log-In ID, the system will disable the password on the third incorrect attempt, thus invalidating the log-in combination. If you accidentally activate this security feature by unintentionally mis-keying a password three times, you would need to call the Bank to reestablish the password for that account or you may enter your log-in ID and click on "Forgot Password" to obtain access. For example, a common mistake made by the customer is having the Caps-Lock on while keying in a password.

Automatic Log-off

To further protect you, a timeout feature is used. This feature will automatically log you out of your current financial service session after a 10-minute period on our site.

Browser Security

The Bank also requires the use of secure browsers to protect you while you access our online banking services. More specifically, the personal and account information that flows back and forth between your PC and the Bank must be encrypted while in transit – secure browsers are how we achieve this level of protection. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so. When used between you and the Bank, this technology encrypts your personal information as you send it to us. Only Adrian Bank can decrypt your personal information. Likewise, when we send personal or account information to you, this technology encrypts it, and only you can decrypt it.

Server Firewall

Our server does not connect directly to the Internet. It is isolated from the network through a "router" and a "firewall". In combination, they serve as an "electronic guardian". All requests to the server are filtered through a router and firewall before they are permitted access to the server. A router is a piece of hardware that works in conjunction with the firewall, a piece of software, to block and direct traffic coming into the server. The router and firewall define and limit access that "outside" computers have to Adrian Bank's server. The configuration begins by disallowing ALL traffic and then opens only when necessary to allow only authorized users to have access.

How You Can Protect your Internet Security

While Adrian Bank works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Adrian Bank account information is protected, including:
  • Keep your password to yourself.
  • Change your password frequently.
  • Remain at your computer until your Online Banking transactions are completed and log out. Log out of Online Banking prior to visiting other Internet sites.
  • If you notice suspicious or unusual activity on your Online Banking accounts, call our Online Banking Department during regular business hours in Adrian at 816-297-2194, Archie 816-293-5837, Butler 660-679-3007 or our Toll-free number      800-982-1334.